How Much Is SR22 Car Insurance?

By Anton Behr

  • Overview

    Incurring too many moving violations or having your license suspended or revoked can result in a substantial increase in your insurance costs. In addition to fines and court fees, your status as a high risk driver will be a large factor in determining your monthly premium. Read on to learn more about SR-22 rates.
  • What is an SR-22?

    Depending on your state, you will be required to have an SR-22 on file if you have certain traffic violations on your record. The SR-22 is filed by your insurance company as proof that you have the coverage needed to drive legally in the state. If at any time you cease to be covered, the insurance company is required to notify the government of the change in your insured status.
  • Initial Costs

    The costs for having your insurance company file an SR-22 are initially nominal. Most agencies will charge an extra $10 to $20 to file the extra paper work and maintain your file. This fee will vary depending the filing requirements in your state.


  • Higher Premiums

    The bulk of the higher car insurance costs for drivers with SR-22 requirements come from the premium on the insurance policy, not the cost of the SR-22. There are a couple of factors that go into determining how much you will pay on a monthly or yearly basis, including: age, gender, marital status, location, anti-theft devices installed, driving experience, make/model of the car, accident claims, credit rating, occupation and traffic violations. Traffic violations will likely be the biggest rating factor if you must file an SR-22 with your state.
  • Justification

    Insurance companies use statistical data to calculate insurance premiums. If you are required to have an SR-22 on file, it is likely because you were involved in an accident or were convicted of a moving violation. This serves as an indicator to the insurance company that you are an high risk driver who may be likely to repeat your past behavior. How much your premium is likely to increase if you need an SR-22 filing depends on al the other rating factors insurance companies in your state use to calculate the premium. However, a State Farm spokesman stated in an Insurance.com article in 2007 that at-fault accidents resulting in damages of more than $750 will typically result in higher insurance premiums upon the policy's renewal.
  • Warning

    Being aware of the ways that SR-22 filings affect your insurance premium requires research. Information regarding state laws and insurance rating factors can be found on the Internet. Do a a Web search to find your state's department of motor vehicles (look for the .gov extension) or visit a reputable site, such as DMV.org, to find additional resources. Consult several insurance agencies to find the best rates.
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